Kruk (LTS:0Q3Y) Cyclically Adjusted Book per Share: zł111.41 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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LTS:0Q3Y Kruk SA LTS:0Q3Y
83 GF Score
Price zł256.00
GF Value zł376.22
! 6 Warning Signs
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What is Kruk Cyclically Adjusted Book per Share?

Kruk LTS:0Q3Y 83 Cyclically Adjusted Book per Share is zł111.41 as of Jun. 2026. GuruFocus rates LTS:0Q3Y with a GF Score™ of 83/100 and a GF Value™ of zł376.22. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Kruk's adjusted book value per share for the three months ended in Jun. 2026 was zł282.685. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is zł111.41 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Kruk's average Cyclically Adjusted Book Growth Rate was 15.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 18.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 24.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Kruk was 28.40% per year. The lowest was 18.70% per year. And the median was 25.40% per year.

As of today (2026-09-06), Kruk's current stock price is zł256.00. Kruk's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was zł111.41. Kruk's Cyclically Adjusted PB Ratio of today is 2.30.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.60. The lowest was 1.22. And the median was 3.11.


Kruk  (LTS:0Q3Y) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Kruk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=256.00/111.41
=2.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.60. The lowest was 1.22. And the median was 3.11.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Kruk Cyclically Adjusted Book per Share Related Terms


Kruk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Kruk's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kruk Cyclically Adjusted Book per Share Chart

Kruk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 58.25 83.56 66.01 90.23 87.81

Kruk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 101.05 91.62 87.81 102.41 111.41

LTS:0Q3Y vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Kruk's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kruk Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Kruk's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Kruk's Cyclically Adjusted PB Ratio falls into.


LTS:0Q3Y
83GF Score
Kruk SA LTS:0Q3Y
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kruk Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Kruk's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=282.685/162.2800*162.2800
=282.685

Current CPI (Jun. 2026) = 162.2800.

Kruk Quarterly Data

Book Value per Share CPI Adj_Book
201609 54.120 99.064 88.656
201612 66.021 100.366 106.748
201703 70.287 101.018 112.913
201706 73.656 101.180 118.135
201709 79.484 101.343 127.277
201712 77.649 102.564 122.859
201803 84.493 102.564 133.687
201806 87.213 103.378 136.904
201809 90.103 103.378 141.441
201812 91.722 103.785 143.418
201903 96.530 104.274 150.229
201906 96.681 105.983 148.037
201909 103.567 105.983 158.581
201912 103.227 107.123 156.379
202003 102.960 109.076 153.181
202006 104.736 109.402 155.359
202009 108.770 109.320 161.463
202012 107.505 109.565 159.230
202103 115.048 112.658 165.723
202106 116.071 113.960 165.286
202109 127.618 115.588 179.169
202112 136.792 119.088 186.405
202203 151.555 125.031 196.707
202206 151.616 131.705 186.813
202209 162.120 135.531 194.117
202212 168.436 139.113 196.487
202303 181.458 145.950 201.760
202306 178.543 147.009 197.090
202309 192.846 146.113 214.184
202312 196.252 147.741 215.565
202403 215.169 149.044 234.278
202406 212.607 150.997 228.494
202409 227.432 153.439 240.536
202412 233.670 154.660 245.182
202503 246.374 157.021 254.626
202506 245.502 157.509 252.938
202509 262.002 158.000 269.099
202512 273.247 158.320 280.082
202603 289.088 163.070 287.688
202606 282.685 162.280 282.685

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of zł111.41 mean?
Kruk (LTS:0Q3Y) has a Cyclically Adjusted Book per Share of zł111.41 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Kruk and its competitors.
Is Kruk's Cyclically Adjusted Book per Share too high?
Kruk's current Cyclically Adjusted Book per Share is zł111.41. Overall, Kruk has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Kruk's Cyclically Adjusted Book per Share compare to V and MA?
Kruk's Cyclically Adjusted Book per Share of zł111.41 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Kruk and its competitors. Kruk's current Cyclically Adjusted Book per Share is zł111.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kruk stock overvalued right now?
Kruk (LTS:0Q3Y) has a current Cyclically Adjusted Book per Share of zł111.41. The stock's GF Value™ is zł376.22, compared to a current price of zł256.00 — trading 32% below its estimated fair value. The current Cyclically Adjusted Book per Share is zł111.41. Kruk's overall GF Score™ is 83/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Kruk (LTS:0Q3Y), the current Cyclically Adjusted Book per Share is zł111.41 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kruk (LTS:0Q3Y) Overvalued in 2026?

Based on GuruFocus' analysis, Kruk stock appears to be undervalued. The current stock price of zł256.00 is trading 32% below its estimated GF Value™ of zł376.22.

Key valuation signals for LTS:0Q3Y:

  • Cyclically Adjusted Book per Share: zł111.41
  • GF Value™: zł376.22 vs. price of zł256.00 (32% below fair value)
  • GF Score™: 83/100 with 6 warning signs

No single metric tells the full story. See the LTS:0Q3Y stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kruk Business Description

Address ul. Wolowska 8, Wroclaw, POL, 51-116
Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. The Group manages debt in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Geographically the company operates in segments Poland, Romania, Italy, Spain, and Other foreign markets.
83GF Score

Get the complete analysis for LTS:0Q3Y

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł256.00
Price
zł376.22
GF Value